The WAY Group

WAY and the use of MM portfolio funds Paul Wilcox Chairman and Technical Director

WAY is a fund management group 1. We are focused on delivering sound, medium to long-term performance BUT we have 2 other important USPs 2. We offer innovative financial strategies/real solutions to everyday financial challenges 3. And a highly effective service To IFAs To ultimate clients To third party managers The WAY Group of Companies

Investment Management Scope 0-5 years 100% Cash 12+ years 100% Equities The WAY Group of Companies

Investment Management Scope 0-5 years 100% Cash 12+ years 100% Equities 5-8 years 30% Equities 8-12 years 50% Equities or 80% Equities The WAY Group of Companies

Investment Management Scope 0-5 years 100% Cash 12+ years 100% Equities 5-8 years 30% Equities 8-12 years 50% Equities or 80% Equities WAY Global Red WAY Global Blue WAY Total Return ____ WAY Cautious WAY Cash The WAY Group of Companies

Investment Management Process Out-sourced to IMS Giles Gilbertson Richard Timberlake Paul Kim Pedigrees include: Fidelity International Europe Fund Research Standard & Poors Fund Services Portfolio Fund Managers AXA Sun Life Portfolio Services Several investment teams (inc 3 ex CIOs) The WAY Group of Companies

Investment Management Process The WAY Group of Companies

Investment Management Process Source: WAY Fund Managers 2001 to WAY Global Red Portfolio IMA Active Managed sector The WAY Group of Companies

Innovative Financial Strategies Gift at Discounted Value Capital Gift out of taxable estate Capital Gift out of taxable estate 5% per annum tax-deferred ‘income’ drawings Traditional Discounted Gift Trust The WAY Group of Companies

Innovative Financial Strategies Gift at Discounted Value Capital Gift out of taxable estate Capital Gift out of taxable estate 5% per annum tax-deferred ‘income’ drawings No flexibility on drawings for donor No access whatsoever for beneficiaries Traditional Discounted Gift Trust The WAY Group of Companies

Innovative Financial Strategies Gift at Full Value Tax free after 7 years Capital Gift out of taxable estate Capital Gift out of taxable estate Flexible ‘income’ drawings Flexibility on drawings for donor Full access for beneficiaries The WAY Flexible Inheritor Trust The WAY Group of Companies

9 different IHT mitigation options from WAY 1. Via Unit Trusts 2. Via Offshore Insurance wrappers 3. Including unique ‘normal expenditure’ version The WAY Group of Companies

Growth Pool (International Equities) Income Reservoir (Cash) Dynamic Income Generation

The WAY Group of Companies Re-balances use annual CGT allowances Cash Drawings No Tax Dynamic Income Generation

The benefits of MM portfolio funds 24/7 management going on behind the scenes Flexibility to design NIL yielding funds Benefit of avoiding unnecessary capital gains for IHT scheme reversions Income Plan re-balancing The WAY Group of Companies

Highly effective service: 1. General old fashioned service 2. Specific product and case assistance 3. Services for Third Party Managers The WAY Group of Companies

General Old Fashioned Service No call handling software No call centre Personal attention only Few errors Desire to take ownership of problems The WAY Group of Companies

Specific product and case assistance ‘Hands-on’ help Individual case assistance Web-based sales videos including product intros Completion guides Interactive simulation tools The WAY Group of Companies

Services for Third Party Managers Full fund hosting facilities Customer branding Access to all WAY financial strategies Similar levels of IFA and client support The WAY Group of Companies

WAY is a fund management group 1. We are focused on delivering sound, medium/long-term performance BUT we have 2 other important USPs 2. We offer innovative financial strategies/real solutions to everyday financial challenges 3. And a highly effective service To IFAs To ultimate clients To third party managers The WAY Group of Companies

Thank you. Please remember Every effort has been made to ensure the accuracy of the information contained within this presentation. However we cannot accept responsibility for any omissions or errors. This presentation is for authorised financial advisers only. The information given and opinions expressed are subject to change and should not be interpreted as investment advice. The price of units and the income from them can (and will) fall as well as rise, and you may not get back the amount you originally invest. Past performance is not necessarily a guide to future returns. WAY Investment Services Limited is an Appointed Representative of WAY Fund Managers Limited which is authorised and regulated by the Financial Services Authority. Member of the Investment Management Association

The WAY Group END